Credit card debt is a problematic issue for many Americans. It has been estimated that the average American family has around $8,000 in credit card debt. While people do have control over their spending decisions, many people who use credit cards have found themselves entangled in a labyrinth of hidden traps and fees, sometimes seemingly designed to milk users of as much profit as possible. Unfortunately, many people end up making payments for most of their life without getting out of debt, so this can be a hard trap to escape.